Core Insights - The company exceeded its financial targets for 2025, achieving an insurance service result of DKK 1.91 billion against a target of DKK 1.85 billion [1] - The combined ratio for the year was 83.7, indicating strong operational efficiency [1] - The investment result was DKK 0.34 billion, which is considered highly satisfactory [1] Financial Distribution - The Board of Directors recommends an ordinary dividend of DKK 0.66 per share, totaling DKK 0.9 billion for the 2025 financial year [3] - A new share buyback program is planned for DKK 1.5 billion, with DKK 1.0 billion classified as extraordinary [3] - The overall distribution corresponds to a payout ratio of 98% for 2025, with an SCR ratio of 193% after accounting for the expected distribution [3] Future Guidance - The company expects to achieve an insurance service result of DKK 1.65-1.85 billion in 2026, excluding run-off gains or losses [4] - The expense ratio is anticipated to be around 17%, with a combined ratio excluding run-offs projected at 84.5-86.5 [5] - The consolidated profit before tax is expected to be between DKK 1.85-2.05 billion, excluding other income and expenses [5] Strategic Outlook - The company aims to simplify customer interactions and enhance its position as a focused Danish non-life insurer [7] - The new strategy period is set to unfold potential benefits for both customers and shareholders, with ambitious targets set until 2028 [7]

Core Viewpoint - Alm. Brand Group is set to release its Q4 2025 results on January 29, 2026, at 07:30 CET, followed by a conference call with management at 11:00 CET [1]. Group 1: Financial Reporting - Consensus estimates for Q4 2025 are published prior to the results announcement [1]. - The conference call will provide an opportunity for analysts and investors to engage with management [1]. Group 2: Contact Information - For inquiries related to the announcement, investors and equity analysts can contact Mads Thinggaard, Head of Investor Relations & ESG, at +45 2025 5469 [1]. - Press inquiries can be directed to Mikkel Luplau Schmidt, Head of Communications and Media Relations, at +45 2052 3883 [1].

Core Insights - Alm. Brand Group has issued a pre-close newsletter to provide insights into key trends and factors affecting its financial performance [1] Group 1 - The pre-close newsletter aims to enhance understanding for investors, analysts, and stakeholders regarding the company's financial metrics [1]

Core Insights - Alm. Brand Group has released a pre-close newsletter to provide insights into key trends and factors affecting its financial performance ahead of Q4 results [1][2] Group 1 - The pre-close newsletter aims to enhance understanding for investors, analysts, and stakeholders regarding the company's financial performance [1] - The newsletter is attached for detailed review and analysis [2]

Core Viewpoint - Alm. Brand Group is hosting a Capital Markets Day to unveil its new strategy aimed at maximizing scale potential and setting financial targets for 2028 [1] Financial Targets Towards 2028 - Following the integration of Codan, Alm. Brand Group aims to achieve an insurance service result of DKK 2,350 million by 2028, which includes run-off gains and is DKK 500 million higher than the 2025 target [2] - The company targets a combined ratio of 82 by 2028, with an expense ratio reduced to 16 [3] Shareholder Distribution Policy - Alm. Brand Group plans to maintain a payout ratio of at least 80% of future earnings, with distributions expected to consist of dividends and share buy-backs [3] Capital Management - The expansion of the partial internal model (PIM) is expected to lower capital requirements and facilitate share buy-backs of DKK 600 million starting in 2026 [4] - The capital target has been raised from 170% to 180% of the solvency capital requirement to ensure a strong capital position [4] Profitability and Growth Targets - Strategic initiatives and buy-backs are projected to drive an average annual growth in earnings per share of 10% from 2026 to 2028 [5] - A new profitability target, Return on Own Funds (RoOF), has been introduced with a goal of 40% by 2028 [5]

Core Viewpoint - Alm. Brand Group is set to release its Q3 2025 results on October 29, 2025, at 07:30 CET, followed by a conference call with management at 11:00 CET [1]. Group 1: Financial Reporting - Consensus estimates for Q3 2025 are published prior to the results announcement [1]. - The conference call will provide an opportunity for analysts and investors to engage with management [1]. Group 2: Contact Information - For inquiries related to the announcement, investors and equity analysts can contact Mads Thinggaard, Head of Investor Relations & ESG, at +45 2025 5469 [1]. - Press inquiries can be directed to Mikkel Luplau Schmidt, Head of Communications and Media Relations, at +45 2052 3883 [1].

Core Viewpoint - Alm. Brand Group has received an 'A2' insurance financial strength rating from Moody's Ratings, which reinforces its strong financial position alongside existing ratings from Fitch Ratings [1][2]. Group 1: Credit Ratings - Alm. Brand Forsikring A/S has been assigned an insurance financial strength rating (IFSR) of 'A2' by Moody's Ratings [2]. - Alm. Brand A/S has received a long-term issuer rating of 'Baa1', both with a stable outlook, indicating expected stability in creditworthiness [2]. - Existing Tier 2 and Restricted Tier 1 bond issues of Alm. Brand A/S have been rated 'Baa2' and 'Baa3', respectively [2]. Group 2: Rating Updates - Moody's Ratings will continuously update their credit ratings, which can be accessed on Alm. Brand A/S' Investor Relations website [3].

Core Insights - The company has raised its guidance for pre-tax profit by DKK 100 million, supported by strong insurance service results and improvements in the underlying business during Q2 2025 [1][5]. Financial Performance - In Q2 2025, the insurance service result reached a profit of DKK 520 million, up from DKK 312 million, marking the highest result to date [5]. - Insurance revenue grew by 8% to DKK 2,950 million, driven by a strong premium growth of 11% in Personal Lines [5]. - The combined ratio improved to 82.3 from 88.5, attributed to fewer major claims and a better underlying claims experience [5]. - The expense ratio significantly improved to 16.7 from 18.0, reflecting the company's efforts to lower costs [5]. - The investment result was highly satisfactory at DKK 102 million, compared to DKK 65 million in the previous year, with shares and bonds contributing positively [5]. Customer Engagement and Strategy - The company onboarded many new customers in Q2, contributing to strong growth in insurance revenue [2]. - The company continues to assist customers with protection against severe weather conditions, launching new offers to help those affected by weather-related claims [3]. Future Outlook - Guidance for the insurance service result has been lifted to DKK 1.6-1.8 billion, excluding H2 run-offs, and the investment result guidance has been raised to DKK 250 million [5].

Group 1 - Alm. Brand Group is set to announce its Q2 2025 results on July 16 at 07:30 CET, followed by a conference call with management at 11:00 CET on the same day [1] - Consensus estimates for Q2 2025 are available on the company's website [2] - Contact information for investor relations and press inquiries is provided, including mobile numbers for key personnel [1][2]

Group 1 - Alm. Brand Group is hosting a Capital Market Day on November 18 at 10.30 CET to present its strategy and new financial targets for the period 2026-2028 [1] - The event will take place at the company's headquarters in Copenhagen and will be available via live webcast [1] - A buffet lunch will be served after the meeting, with additional details to be provided closer to the event date [1] Group 2 - Registration for the event requires an email to be sent to the provided contact, indicating attendance preferences [2] - Contact information for investor relations and media relations is provided for any inquiries regarding the announcement [2]